Medical students graduating in 2017 faced average costs of $240 000 to attend U.S. public medical schools and $314 000 to attend private schools (1). Nearly three quarters of them borrowed money to finance these costs, amassing student loan debt averaging almost $200 000. A third of 2017 graduates with debt reported planning to use the Public Service Loan Forgiveness (PSLF) program to help defray that debt (2). The PSLF program requires participants to make 10 years of loan repayments while employed at nonprofit or governmental institutions, after which all remaining educational debt sponsored by the federal government is forgiven. The program's structure encourages borrowers to maximize eventual loan forgiveness by minimizing current repayment. Thus, physicians using PSLF likely accumulate more debt than they might have without the program. Because the program's future is uncertain, time will tell whether these physicians made a good choice, and medical students graduating now would rather not wait 10 years to find out.